Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Network hospitals
10000+
Incurred claim ratio
54.05%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.7
Pan India Presence
200+
PolicyX.com is a Recognised Niva Bupa Partner View Certificate
Niva Bupa Heartbeat Policy is designed for individuals and families alike with two plan variants namely, gold and platinum. The plan offers a sum insured value of up to INR 50 Lakhs. It is a comprehensive health insurance plan with benefits such as:
Niva Bupa Heartbeat policy provides insurance holders with additional coverage under the platinum variant of the plan that includes direct claim settlement with no TPA involvement, lifetime renewability, no waiting period for accidental hospitalization, and more. The sum insured options available with the Niva Bupa heartbeat policy range between 5 Lakhs to 1 Crore under gold and platinum variants respectively. The plan offers optional coverages such as hospital cash, personal accident cover, critical illness cover, e-consultation, premium waiver, international coverage, and more. To know more about the Niva Bupa Heartbeat Plan read the article provided below
When purchasing the Niva Bupa Heartbeat Insurance Policy it is essential to cross-check the eligibility criteria as mentioned below:
Entry Age
Minimum: 19 Years
Children: 91 Days to 21 Years
Adult Entry Age
Maximum: 65 Years
Policy Type
Individual/Family Floater
Policy Term
1/2/3 Years
Sum Insured
5 L | 7.5 L | 10 L | 15 L | 20 L | 30 L | 50 L | 1 Cr
Initial Waiting Period*
30 Days
Read more specifications in the Niva Bupa Health Heartbeat Brochure.
In-patient & Out-patient coverage
Room Rent
Covered Up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered Up to 60 Days
Post-Hospitalization
Covered Up to 90 Days
Domiciliary Hospitalization
Covered Up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Available
Coverage Terms
COVID-19 Treatment
Not Available
Cataract
Not Available
No Claim Bonus
Applicable
Automatic Restoration
Applicable
Daily Hospital Cash
INR 3k per day
Organ Donor
Covered Up to SI
Maternity Cover
Covered
New Born Baby Cover
Covered Up to SI
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Available
Global Coverage
Covered
Wellness Programmes
E-Consultation
Available
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Not Available
Limitations
Co-payment
Applicable
Sub-limits
Applicable
In-patient & Out-patient coverage
Room Rent
Covered Up to SI
ICU Charges
Not Covered
Pre-Hospitalization
Covered Up to 60 Days
Post-Hospitalization
Covered Up to 90 Days
Domiciliary Hospitalization
Covered Up to SI
Daycare Treatment
Covered up to SI
OPD Charges
Covered Up to SI
Coverage Terms
COVID-19 Treatment
Not Available
Cataract
Not Available
No Claim Bonus
Applicable
Automatic Restoration
Applicable
Daily Hospital Cash
INR 6k per day
Organ Donor
Covered Up to SI
Maternity Cover
Covered
New Born Baby Cover
Covered Up to SI
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Covered
Modern Treatment
Covered up to SI
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Available
Global Coverage
Covered
Wellness Programmes
E-Consultation
Available
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Limitations
Co-payment
Applicable
Sub-limits
Applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, the room rent is covered up to SI.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, ICU charges are not covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, pre-hospitalization is covered up to SI for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan covers medical expenses incurred during post-hospitalization up to SI for 90 Days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan covers domiciliary hospitalizations up to SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan covers the expenses of all daycare procedures up to SI.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Niva Bupa Heartbeat Plan?
OPD charges are covered under the Niva Bupa Heartbeat Plan up to INR 50,000 for the Platinum plan variant.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa's Heartbeat Plan does not cover COVID-19.
A common eye condition in which your vision gets blurred.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan offers a no-claim bonus of 10% of the sum insured for each claim-free year subject to a maximum of 100% of the sum insured.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan offers automatic restoration applicable for the same & different illnesses as well.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Niva Bupa Heartbeat Plan?
The Daily hospital cash is available under the Niva Bupa Heartbeat Plan as an optional cover with sub-limits of INR 3,000 and 6,000 under the Gold and Platinum plan variants.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Niva Bupa Heartbeat Plan?
Under Niva Bupa Heartbeat Plan the organ donor expenses are covered up to SI.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, Maternity Cover is available for Gold and Platinum variants with sub-limits of INR 1 Lakhs and 2 Lakhs respectively.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, the newborn baby cover is available until new born baby completes one year.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, AYUSH treatment is covered up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, IVF is not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, modern treatments are covered up to SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, ambulance cover is available up to SI.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, the air ambulance is covered up to SI.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, global coverage is covered as optional coverage including USA & Canada for ‘Emergency Medical Evacuation’, ‘Emergency Hospitalization’ & ‘Specified illness cover’.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, E-consultation are available as unlimited tele / online consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Niva Bupa Heartbeat Plan?
Under the Niva Bupa Heartbeat Plan, a health check-up is available under gold and platinum plan variants for up to INR 2,500 and 5,000 respectively.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan covers the expenses for a second medical opinion per Insured Person per Specified Illness / planned Surgery / Surgical Procedure.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Niva Bupa Heartbeat Plan?
Niva Bupa Heartbeat Plan does cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Niva Bupa Heartbeat Plan?
Options of 10% and 20% co-payment is available under the Niva Bupa Heartbeat Plan for gold and platinum plan variants.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Niva Bupa Heartbeat Plan?
Sub-limits are applicable.
The plan offers a multitude of benefits for insured individuals under the Niva Bupa heartbeat plan. Mentioned below are a few for your better understanding:
High Sum Insured Options
Direct Claim Settlement
International Coverage
Loyalty Benefit
Tax Benefits
Niva Bupa Heartbeat health insurance plan offers a high range of sum insured options available to insured individuals ranging between 5 Laksh to 1 Crore under gold and platinum variants respectively. The various sum insured options provide insurance holders the flexibility to customize their coverage as per their needs and requirements.
Niva Bupa Heartbeat plan offers a direct claim settlement option under the platinum variant of the plan that ensures that there are no third-party agents involved allowing the claim settlement process to be smooth and hassle-free.
Niva Bupa Heartbeat plan provides insured individuals with international coverage wherein USA and Canada are included for 'emergency medical evacuation', 'emergency hospitalization', and 'Specified Illness Cover'. The international coverage is optional under the platinum plan variant.
When insurance holders invest in the Niva Bupa Heartbeat Plan they are offered an increase of 10% of the expiring base sum insured every year, irrespective of the insured life's claim history.
All the premiums paid towards the Niva Bupa Heartbeat Plan are eligible for tax benefits under the Income Tax Act of India.
Permanent diseases or health conditions that are not included under the Niva Bupa Heartbeat plan are mentioned below:
Obesity and Weight Control surgeries
Change of Gender Treatments
Cosmetic or Plastic Surgeries
Treatment Due to Substance Abuse
Sterility and Infertility Related Treatments
Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 24/48 Months
Niva Bupa Health Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:
Comprehensive
This plan is designed for youngsters and allows the policyholder to go overseas for treatments.
Unique Features
Comprehensive
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
Comprehensive
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
Comprehensive
A policy for you and your family which covers modern treatments, laser surgery, e-consultations, annual health check-ups, and coverage of 3 Crores.
Unique Features
Affordable
A budget-friendly health insurance plan that offers coverage to individuals and families with tailor-made benefits and great value for money.
Unique Features
Digital
A modern-day digital insurance plan offering you cashless OPD and diagnostic services along with basic coverage and healthcare benefits.
Unique Features
Affordable
An individual and family health plan, providing a cover of up to 1 crore at affordable premiums combined with advanced features and benefits.
Unique Features
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
Critical Illness
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
Comprehensive Plan
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
Unique Features
Suraksha Plan
A personal accident insurance policy that offers a lump sum compensation in case of permanent disability or death resulting from an accident.
Unique Features
Corona Plan
The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.
Unique Features
Niva Bupa Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of hospitals, Niva Bupa Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Niva Bupa Heartbeat plan is an all-around health insurance plan designed for individuals and families alike. It comes with a plethora of features that elevate the experience of health care for every customer. With high-sum insured options, international coverage, e-consultation, second medical opinion, annual health check-ups, and more Niva Bupa heartbeat plan is apt for you and your family.
The eligibility criteria to be fulfilled are mentioned below:
The Niva Bupa Heartbeat plan offers multiple sum insured ranging between 5 Laksh to 1 Crore. Under the family coverage, there are 3 variants available namely, silver, gold, and platinum offering sum assured options between 1 to 15 Lakhs.
Yes, tax benefits are applicable on premiums paid towards the Niva Bupa Heartbeat Plan under the Income Tax Act of India.
Yes, insured individuals are provided with various optional covers like:
Yes, Maternity and newborn baby covers are available under the Niva Bupa Heartbeat Plan.
See More Health Insurance Articles
See More Health Insurance Articles
Here are customers' reviews on Niva Bupa Health Pulse, know what they say.
Raghoba Phadke
Guwahati
April 8, 2024
PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.
Akshat R Verma
Allahabad
April 8, 2024
PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.
Akash Banerjee
Pune
April 8, 2024
The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.
Sarthak Parmal
Delhi
April 8, 2024
I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.
Trishna Rohilla
Bengaluru
April 8, 2024
I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...
Sunaina Khanna
Ahmedabad
April 8, 2024
All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents
Prakash Kaur
Hyderabad
April 8, 2024
PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.
Radhika Aneja
Coimbatore
April 8, 2024
With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.
Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.
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